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Why OppFi (OPFI) Is Up 6.8% After Raising 2025 Revenue Guidance and Zacks Recognition

Simply Wall St · 09/21 18:06
  • Earlier this month, OppFi was named Zacks Bull of the Day after raising its full-year 2025 revenue guidance to US$578 million–US$605 million, highlighting recent outperformance versus earnings estimates and strengthening business momentum.
  • This recognition emphasizes management’s confidence in sustained top-line expansion, but also brings renewed attention to ongoing regulatory risks facing the specialty finance platform.
  • We'll examine how the company’s raised 2025 revenue guidance and earnings momentum affect OppFi’s overall investment narrative and future outlook.

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OppFi Investment Narrative Recap

To be a shareholder in OppFi, you need to believe the company can maintain strong digital adoption and revenue growth among underserved consumers despite rising competition and significant regulatory uncertainty. The recent upward revision of 2025 revenue guidance underscores business momentum and management’s confidence, but this does not materially diminish the short-term regulatory risk, especially concerning potential interest rate caps, which remains the most pressing unknown for the business today.

Of OppFi’s recent announcements, the August 6 guidance increase to US$578 million–US$605 million for full-year 2025 revenue is closely tied to the latest news. This aligns with business momentum as highlighted by the “Bull of the Day” recognition and brings investment focus directly back to the company’s ability to sustain revenue expansion, a key catalyst supporting the overall narrative in the short term.

On the other hand, investors should be aware of emerging regulatory threats that could...

Read the full narrative on OppFi (it's free!)

OppFi's narrative projects $889.0 million revenue and $159.4 million earnings by 2028. This requires 40.5% yearly revenue growth and a $192.9 million increase in earnings from -$33.5 million today.

Uncover how OppFi's forecasts yield a $14.17 fair value, a 21% upside to its current price.

Exploring Other Perspectives

OPFI Community Fair Values as at Sep 2025
OPFI Community Fair Values as at Sep 2025

Five separate Simply Wall St Community valuations for OppFi range from US$1.86 to US$14.17 per share. With regulatory policy changes still looming as the pivotal risk, these estimates show why it pays to see how other investors think about potential company outcomes.

Explore 5 other fair value estimates on OppFi - why the stock might be worth less than half the current price!

Build Your Own OppFi Narrative

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.